Motor insurance me add-on ka matlab hota hai basic policy ke upar li jane wali extra suraksha. Jab aap sirf third party ya normal comprehensive policy lete hain, to usme kai aise risks hote hain jo cover nahi hote. Add-ons unhi gaps ko fill karte hain.
Aasaan alfaaz me samjhein to, basic policy minimum suraksha deti hai, jabki add-ons aapki policy ko aapki zarurat ke mutabiq customize kar dete hain.
Yeh bhi samajhna zaroori hai ke add-ons optional hote hain, lekin kai situations me yeh optional hote hue bhi behadd zaroori sabit hote hain. Misal ke taur par, baadh wale ilaake me engine protection add-on, ya nayi gaadi ke liye zero depreciation add-on.
Is liye motor insurance me add-ons ko sirf extra kharcha samajhna ghalat hoga. Yeh asal me risk management, future ke bade nuksaan se bachav, aur sukoon bhari driving ka ek practical tareeqa hote hain.
Iske baad jab hum har add-on ko ek ek karke samajhte hain, to yeh aur bhi wazeh ho jata hai ke kaun sa add-on kis driver ke liye waqai mufeed hai.
Neeche Bharat ke paripekshya me Motor Insurance ke sabhi common aur practical add-ons ko ek ek karke, saaf aur samajhne layak samjhaya gaya hai. Yeh jaankari bike aur car dono par laagu hoti hai, jab aap Comprehensive Motor Insurance lete hain.
1. Zero Depreciation Add-on
Is add-on ko Nil Depreciation bhi kaha jata hai.
Normal claim me plastic, rubber aur metal parts par depreciation kaat li jati hai. Zero depreciation add-on me insurance company bina koi depreciation kaate poora claim deti hai.
Kis ke liye behtar: Nayi gaadi, mehngi car, ya pehle 3 se 5 saal ke andar ki gaadi ke liye.
2. Engine Protection Add-on
Is add-on me gaadi ke engine aur gearbox ka nuksaan cover hota hai.
Aam policy me engine damage, khas taur par paani bharne, baadh ya hydrostatic lock ke cases me cover nahi hota. Engine protection lene par yeh risk insurance company uthati hai.
Kis ke liye zaroori: Baadh-prabhavit shehron me rehne wale log, jaise Delhi NCR ke kuch ilaake.
3. Return to Invoice Add-on
Is add-on me agar gaadi chori ho jaye ya total loss ho jaye, to insurance company aapko poori invoice value deti hai.
Isme shamil hota hai:
- Road tax
- Registration charges
Normal policy me sirf IDV milti hai, jo har saal kam hoti jati hai.
Kis ke liye behtar: Bilkul nayi ya high value gaadi ke liye.
4. Roadside Assistance Add-on
Is add-on ke tahat emergency me madad milti hai, jaise:
- Gaadi kharab ho jana
- Battery down
- Flat tyre
- Fuel khatam ho jana
- Towing service
Kis ke liye mufeed: Rozana safar karne wale log aur highway travel karne wale drivers.
5. NCB Protection Add-on
No Claim Bonus ko protect karta hai. Agar aap claim kar lete hain, tab bhi aapka NCB zero nahi hota.
Kis ke liye acha: Safe drivers jo kabhi kabhi chhota claim kar lete hain, lekin NCB khona nahi chahte.
6. Consumables Cover Add-on
Is add-on me claim ke dauran lagne wali cheezen cover hoti hain, jaise:
- Engine oil
- Brake oil
- Coolant
- Grease
- Nut bolts
Normal policy me inka paisa nahi milta.
7. Key Loss Cover Add-on
Agar gaadi ki chaabi gum ho jaye, toot jaye ya chori ho jaye, to insurance company deti hai:
- New key
- Reprogramming cost
- Replacement cost
8. Personal Accident Cover for Owner-Driver
Yeh cover owner-driver ke liye hota hai. Isme cover hota hai:
- Accidental death
- Permanent disability
Note: Yeh cover kanooni taur par owner-driver ke liye laazmi bhi hota hai, lekin add-on ke roop me coverage badhai ja sakti hai.
9. Passenger Cover Add-on
Is add-on me gaadi me baithe hue passengers ko accident ke case me cover milta hai. Bike par pillion rider aur car me sabhi passengers isme shamil ho sakte hain.
10. Tyre Protection Add-on
Isme tyre ke burst hone, cut lagne ya accidental damage ka cover hota hai. Khas taur par low profile tyres aur alloy wheels wali gaadiyon ke liye behtar.
11. Electrical and Non-Electrical Accessories Cover
Agar aapne gaadi me:
- Music system
- Reverse camera
- Alloy wheels
- Seat covers
alag se lagwaye hain, to unka cover is add-on se milta hai.
12. Daily Allowance Add-on
Jab gaadi repair ke liye garage me hoti hai, to insurance company rozana ka fixed allowance deti hai. Isse cab ya alternate transport ka kharcha nikal jata hai.
NCB Kya Hota Hai (No Claim Bonus)
NCB ka matlab hai No Claim Bonus. Yeh ek aisa bonus ya discount hota hai jo insurance company aapko deti hai agar aapne pichhle saal ya poore policy period ke dauran koi claim nahi kiya ho.
Roman Hindi / Urdu me samjhein to:
Agar aapki gaadi ka accident nahi hua aur aapne insurance claim nahi kiya, to aap apni agali policy ke
premium par discount hasil kar sakte hain.
Yeh discount percentage ke roop me hota hai aur har saal claim-free rehne par dheere dheere badhta jata hai.
Example:
- 1 saal claim free → 20% NCB
- 2 saal claim free → 25% NCB
- 3 saal claim free → 35% NCB
Maximum NCB aam taur par 50% tak ho sakta hai.
Key Points:
- NCB sirf Comprehensive Motor Insurance par apply hota hai, Third Party Insurance par nahi.
- Agar aap claim karte hain to aapka NCB zero ya kam ho jata hai. Lekin NCB Protection Add-on lene par claim ke baad bhi NCB maintain kiya ja sakta hai.
- NCB transferable hota hai agar aap gaadi ya insurance company change karte hain.
Aasaan alfaaz me:
NCB safe driving ka reward hai. Agar aap accident-free rehte hain,
to insurance company aapko agali policy ke premium me discount deti hai.
Zaroori Baat Samajhna
Har add-on lena zaroori nahi hota. Add-ons ka intikhab aapki gaadi ki keemat, gaadi ki age, aapke istemal ka tareeqa aur aapke shehar ke risk par depend karta hai.
Aasaan alfaaz me kaha jaye to, add-ons luxury nahi, samajhdari se chune gaye protection tools hote hain.